Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for El Paso County, Texas
Every institution that decided a 1–4 unit mortgage application in El Paso County between 2023 and 2025: 46,367 applications, 33,474 loans actually funded, across 8 kinds of borrowing.
El Paso County at a glance
46,367Applications decided
2023–2025
33,474Loans funded
72% of decisions
188Census tracts
27 ZIP codes
866,275People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Investment home improvement is the hardest money to get here: lenders approved 33% of 201 applications.
Lending by loan type in El Paso County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.1% | 27,860 | $255K | 95% | 396 |
| Home improvement loans | 52.5% | 4,113 | $65K | 97% | 88 |
| Cash-out refinance | 61.4% | 6,612 | $125K | 92% | 196 |
| Refinance | 68.5% | 4,433 | $255K | 86% | 201 |
| Investment property purchase | 82.4% | 1,764 | $165K | 94% | 202 |
| Investment cash-out refinance | 62.5% | 938 | $145K | 88% | 136 |
| Investment refinance | 65.7% | 446 | $155K | 84% | 112 |
| Investment home improvement | 33.3% | 201 | $115K | 88% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.